unexpected payments into our bank account

shipdham9

thanks hugo,

It's a fair point, and we have thought that it would not be nice if that was the situation and someone was struggling without their money.

GF is speaking to the bank today, to try and get to the bottom of things, and inform them that the money is available for them to take at their leisure. If they're not helpful she will be trying to contact the company directly.

I'm aware i'm about to sound entirely greedy...but what if the money goes unclaimed and the bank do not remove it from her account? is there a certain time limit whereby she could spend it and the bank couldn't reasonably reclaim it?

I'd like to extend sincere apologies to all the users of this forum that I've offended, by posting a money related query on a money related forum... :rolleyes:

RayWolfe

Interesting how some people think this website is here to advance their criminal activities. The OP knows it is wrong but still asks the question.

dunstonh

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/33/credits-33.htm

There are some examples of people actually complaining about having to repay the money. All are rejected by the FOS apart from one which had consequences that led on from that and it was the actions that followed which resulted in the uphold decision.

HugoSP

shipdham9 wrote: »

I'm aware i'm about to sound entirely greedy...but what if the money goes unclaimed and the bank do not remove it from her account? is there a certain time limit whereby she could spend it and the bank couldn't reasonably reclaim it?

That is actually not a bad question in itself.

Many years ago my dad received some share certs in his name that he never bought. He spent a disproportionate amount of time trying to sort it out and convince the registrars that they were not his. The registrars eventually recognised the mistake and reissued the certs to the correct owner.

My dad never received or asked for a penny in terms of costs etc, despite phone calls, letters etc costing him a small fortune.

BallandChain

Hugo wrote:

.... set the money aside, maybe via an instant access account to avoid you spending it by mistake. Let the bank know you are doing this for this reason via recorded delivery then you can't be accused of theft. Make it clear that the money is available to be repayed on demand once they can reasonably explain how the error has occurred.

The problem I can see with opening another bank account is if the recruitment company ask for this money in the g/f's original account she could end up overdrawn with all the hassle of trying to claim bank charges back. Banks aren't exactly efficient when it comes to overseeing accounts and letters written to them are probably just filed away somewhere. I'd keep the money in the account it was paid to and you won't have the hassle of opening another account. It might just confuse things by having a different account.